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GeoBlue Voyager Essential Insurance Reviews

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Voyager Essential Insurance Reviews

Ratings
AM Best Rating: "A-" (Excellent)
Underwriter
4 Ever Life

Ideal for Emergency medical coverage Pre-existing conditions

Voyager Essential health insurance review

GeoBlue Voyager Essential Insurance offers a choice of varying medical limits and deductibles. Covers trips up to 6 months with 100% coinsurance. The insurance plan covers pre-existing conditions for medical services and medical evacuation with 180 days waiting period.

Key benefits of Voyager Essential insurance

Emergency Medical Transportation

Outpatient prescription drugs

Comprehensive plan

In-patient medical emergency

Pre-existing conditions

Trip Interruption

Voyager Essential Visitor Insurance - Key Highlights

  • Essential coverage that most domestic plans don’t cover outside the U.S., including medical evacuation and repatriation.
  • Coverage of medically necessary COVID-19 testing and treatment.
  • Does not require a primary health plan.
  • 24/7/365 telemedicine consults from anywhere in the world, at no additional cost.
  • Access to doctors and hospitals in 190 countries.
  • Coverage up to age 95.
  • Plan options that include coverage of pre-existing conditions.
  • Discounts on 5 or more travellers.
  • Protection for dollars a day in as little as 5 minutes.
  • No medical underwriting.

GeoBlue Customer reviews

Reviews, Ratings and Experiences

The ease of applying and reassurance gained from having it in place if needed made this a simple decision. Good product for a reasonable price.
  |   Martha
Everything was seamless. Easy and the cost was reasonable. Fortunately, no medical issues came up while traveling.
  |   William
GeoBlue Voyager Choice is simple, fast and affordable. It checks all the boxes and gives you confidence and peace of mind for your overseas trip. Highly recommend.
  |   Shelia

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Advantages and Disadvantages of Voyager Essential Insurance

  • Voyager Essential Insurance Advantages
    • Ideal for international leisure, missionary or business travel.
    • Available for Students or teachers going abroad for a semester.
    • Does not require a primary health plan.
  • Voyager Essential Insurance Disadvantages
    • This plan is only available for U.S citizens.
    • Pre-existing conditions are covered with a 180-day exclusion.

An Overview of Voyager Choice Insurance

Eligibility

  • Applicant's home country must be the US.
  • Applicant's age must be under 95 years

Pre-existing condition

  • Pre-existing conditions are covered with a 180-day exclusion.

Refund information

GeoBlue provides important financial safeguards before your trip
  • Should your plans change prior to your travel dates, you can adjust your GeoBlue coverage dates once your trip is rescheduled.
  • Should your trip cancel completely, you can receive a full refund of your premium. Cancellation of coverage must be in writing from the Eligible Participant. Simply send an email to enrollment@geo-blue.com.

PPO Network

  • Many doctors are certified by the American or Royal Board of Medical Specialties and speak English, and we factor in recommendations from 158 Physician Advisors from all over the world.
  • While GeoBlue has hand-selected providers in 190 countries, our members have the freedom to choose any international doctor or facility for services.

A working example of using Voyager Essential*

Let us take an example of Plan-A: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Your claims for medical expenses is $18,100

Below is a simple calculation showing how much the plan/insurance company pays you:

  1. Subtract the deductible from claims amount - $18,100 minus $100 equals $18,000. Insured bears $100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Surgery $16,500 $16,500 $0
X Ray $1500 $1500 $0
Total $18,100 $18,000 $100
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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Voyager Essential Travel Medical Insurance - FAQ's

1. Are GeoBlue Travel insurers a reliable insurance company?

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBluetravel insurance for more than 20 years have assisted globally in the complications of international healthcare and provide confidence for its members to travel safe and peacefully.

The travel insurance solutions provided by GeoBlueprovide excellent coverage for US citizens traveling overseas, travelers on work, study, Expats who live and travel internationally often.

2. Is GeoBlueTravel insurers a good company?

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue provides easy access and peace of mind to travelers and expats living around the globe.

Their elite network of providers, innovative online tools, telemedicine tools and exceptional customer service set completely different standards for a full, reliable, suitable protection of your health and safety in the global community.

3. Why should I buy travel insurance from GeoBlueTravel insurers?

GeoBlue is a self-governing licensee of the Blue Cross Blue Shield Association who offer borderless access with a premium quality healthcare system with high-tech service for all travelers to feel secure while traveling around the world. Travelers can be rest assured that their travel requirements will be covered for a safe trip.

4. Who can buy Voyager Essential plan?

  • Leisure traveler
  • Missionary traveler
  • Senior traveler
  • Study abroad
  • Teach abroad
  • Employers, church and missionary organizations
  • Universities/colleges
  • Embassies, expatriate websites, Chambers of Commerce
  • Exchange programs, study abroad programs, associations

5. What are the key highlights of Voyager Essential insurance?

Following are some of the key benefits of buying Voyager Essential short term travel health insurance

  • $1 Million limit
  • Covers expenses from Illness and accident
  • Emergency medical transportation
  • Lost luggage and post departure trip interruption coverage
  • Supplemental coverage
6. How GeoBlue Voyager Essential insurance plan works?

  • Customer applies online or via a paper application. Applicant is tracked to you when the customer uses your unique web link or brochure.
  • Plan is medically underwritten and coverage may be: 1) Issued with standard rates or 2) Rated up or 3) Declined for coverage based on health history. Welcome materials are sent electronically and via mail.
  • Members are invited to register on the website, mobile site or app.
  • Coverage can be renewed at the consent of the member and the insurer.

GeoBlue resourceful travel insurance Links

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